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| Provider | Service type | Compensation |
|---|---|---|
PLANTE & MORAN, PLLC5 years Service code 10 · EIN 38-1357951 | Accounting | $21,500 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $6,110 |
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,473 | $46,464+19.4% | $150,298-63.1% | $79,634-30.3% |
| Participation rate | 90.4% | 57.0%+33.4pp | 77.8%+12.6pp | 62.5%+27.9pp |
| Annual return | 9.85% | 27.89%-18.0pp | 62.79%-52.9pp | 36.46%-26.6pp |
| Employer contribution / active EE | $2,588 | $1,512+71.2% | $4,154-37.7% | $2,529+2.3% |
| Participant deferral / active EE | $2,369 | $2,157+9.8% | $5,453-56.6% | $3,835-38.2% |
| Admin fee / account holder | $44 | $891-95.1% | $14,116-99.7% | $1,002-95.6% |